In 2026, the FHA loan limits in Miamisburg, which is part of Montgomery County, OH, are determined as $472,030 for a single-family home, $604,400 for a two-unit property, $730,525 for three-unit homes, and $907,900 for four-unit buildings.
For conventional loans, the highest loan amounts for a single-family dwelling are $726,200. Duplex limits are set at $929,850, for triplex properties, it's $1,123,900, and for four-unit residences, the cap is $1,396,800.
Engage our FHA calculator to check today’s leading FHA rates and calculate the necessary down payments, income criteria, credit standards, reserves, as well as the documents required for qualification.
Utilizing the Lendersa® calculator, you have the ability to compare FHA rates and terms with other loan programs. This includes Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans—allowing for a broad and comprehensive assessment.
Lendersa® gathers extensive loan data from thousands of lenders and aligns this information against your distinctive financial profile and needs efficiently.
The Loan Limits Comparison Table for 2026 in Miamisburg, within Montgomery, OH, presents a detailed examination of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification criteria, including income, reserves, and credit scores, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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